I think a therapist needs to have undergone a significant amount of personal development to effectively work with clients. I'm not sure I could say they needed to have all their issues resolved, because I don't think we can ever say that about anyone - I've had stuff I thought was resolved only for my circumstances to change and a whole new aspect of the issue appear again. I do think it's important the therapist is self accepting because that means they'll get the support they need when issues do come up, as surely they will.

I think not doing particular work because you don't trust the therapist, rather than because you currently feel resolved about it, is a bit of a red flag. It might be worth changing T to someone you do trust for that piece of work because unresolved it will impact on your practice because there will be buttons that clients press for you without you possibly realising it. As a previous poster said, we see too often here the impact of a T who isn't aware of their own issues or aware their buttons are being pressed. In saying that, good supervision really helps with that and your supervisor should point you back to personal therapy if s/he thinks there's something that needs attention.

In saying that, as the client you get to say what the "real work" is, not your T and if you don't think you need to look at those issues just now, that's your choice. Your healing is as individual as every other client and is hope your T would work at your pace with such sensitive issues. I'm nearly finished my training to become a T, have been with my T for 2.5 years and there are things we're only starting to look at just now. It's ok if you're not ready yet, as you say your personal development is a life long quest.